November 27, 2001


Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549


                                         RE: Filing of Prospectus Supplement
                                             Pursuant to Rule 424;
                                             Registration #333-38370

Gentlemen:

Pursuant to the provisions of Rule 424(b)2 of the Rules and Regulations under
the Securities Act of 1933, as amended, we enclose for filing the following copy
of the Prospectus Supplement dated November 28, 2001, with respect to the above
Registration Statement.

In accordance with Rule 424(c), only the Prospectus Supplement is being filed
because it will be attached to a form of Prospectus that previously has been
filed. The Prospectus Supplement includes a cross reference on the cover thereof
to the date of the related Prospectus.


                                         Very truly yours,

                                         F.N.B. Corporation

                                         /s/John D. Waters

                                         John D. Waters
                                         Vice President and
                                         Chief Financial Officer


JDW/dg
Misc\misc\01\JDWsecexchVI
Enclosures






PROSPECTUS SUPPLEMENT
(To Prospectus Dated June 13, 2000)

                               F.N.B. CORPORATION

                                  $250,000,000
                                       OF
                     SUBORDINATED TERM NOTES AND DAILY NOTES

    The following interest rates are applicable effective November 28, 2001:


                                                          ANNUAL
                                                       INTEREST RATE
                                                       -------------
  Subordinated Daily Notes                                     4.00%

  Subordinated Special Daily Notes (1):                         n/a

  Subordinated Term Notes
         3 Month                                               4.10%
         6 Month                                               4.20%
         9 Month                                               4.28%
        12 Month                                               4.33%
        15 Month                                                n/a
        18 Month                                               4.52%
        21 Month                                                n/a
        24 Month                                               4.67%
        27 Month                                                n/a
        30 Month                                               4.72%
        36 Month                                               4.76%
        48 Month                                               4.81%
        60 Month                                               4.86%
        84 Month                                               4.91%
       120 Month                                               5.01%

  (1) FNB has discontinued the offer and sale of Special Daily Notes.

              This Prospectus Supplement is dated November 28, 2001


          CH\RATES\SECDRA4               djs               21-Nov-01